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Terms and Conditions

INTRODUCTION

This End User Terms of Use (“Terms”) is an agreement between You (defined below) and Open Financial Technologies Private Limited (hereinafter referred to as “Open”, “We”, “Us” or “Our”) and applies to Your (defined below) access to and use of all products/services (“Services”) offered under the domain https://a2pay.net

(referred to as “Platform”, which shall include all sub-domains related thereto), provided by Open to You, through a third-party application (“App”). You understand that you may have access to Open’s Services as an integral part of an App and these Terms will govern the use of such Services.

The Privacy Policy hosted at https://www.a2pay.net/privacy

(“Privacy Policy”) is incorporated by reference into these Terms.

These Terms, the Privacy Policy and any other agreement that You have entered into with Open will be collectively referred to as “Agreements”.

By registering for, accessing and/or using the Services, You acknowledge that You have read, understood and agree to be legally bound by these Terms with immediate effect. You acknowledge that:

these Terms apply to all users of Services, (hereinafter referred to as “End User”, “You” or “Your”) including Developers (as defined in the Developer Terms) (if such Developers are using the Services for their internal purposes, in the capacity of an End User);

the products and services provided to You by a third-party Developer or such third-party Developer’s App (other than Open’s Services) are governed by a separate agreement between You and third-party Developer or the provider of that App, as the case may be.

References in these Terms to “You” or Your”“ or “End User” (or similar) are references to you as an individual or legal entity as the case may be.

If You do not agree to these Terms, You must not use or access or avail any Services. We reserve the right to modify or terminate any portion of the Platform or the Services offered by Us or amend the Terms for any reason, without notice and without liability towards You or any third party. To make sure You are aware of any changes, please review the Terms periodically. Open may require You to provide Your consent to the Terms, as updated, in a specified manner before any further use of Open’s Services and/or the Platform. If no such separate consent is sought, Your continued use of Open’s Services will constitute Your acceptance of such changes and the updated Terms will be effective from the time We publish it. You may withdraw or vary Your consent for Us to provide the Platform to You at any time by providing Us a written intimation on letstalk@a2pay.net

or support@a2pay.net

These Terms are an electronic record in terms of Information Technology Act, 2000 (“IT Act”), the applicable rules thereunder and the provisions pertaining to electronic records under various statutes as amended by the IT Act. This electronic record is generated by a computer system and does not require any physical or digital signatures. These Terms are published in accordance with the provisions of Rule 3(1)(a) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 framed under the IT Act (as amended from time to time), that require publishing the terms of use for access or usage of the Platform and Services. Unless otherwise defined, all capitalized terms used hereunder shall have the meaning ascribed to them as per these Terms.

ABOUT OUR SERVICES

Open has partnered with various banks/financial institutions to operate a full-stack financial services API suite hosted at https://a2pay.net

that enables Developers of Apps to, inter-alia, embed the full-stack financial services API suite into their business’ products and services.

We offer the following application programming interfaces (“APIs”) to Developers for integration of such APIs into their Apps. The APIs when integrated into the Developer’s App, allows the Apps to:

fetch its End User’s transactional information, account balances, statements and other financial information, for viewing and use by the End User (“Account Information API”);

initiate payments on the App by automating bank transfers i.e., We initiate payments by securely communicating with the End User’s relevant service provider/financial institution providing such services and instructing such service provider/financial institution to make payment from the End User’s selected account (“Payment Initiation API”);

allow the End User who are merchants to collect payments for the goods and services availed by their customers in accordance with the applicable laws (including the relevant rules, regulations and guidelines issued by the Reserve Bank of India), and subject to ‘Know Your Customer’ (“KYC”) verification and compliance. (“Payment Aggregation API”);

collect and compile the identity of the End Users and undertake the KYC compliance of such End Users (“Verification API”).

(The Payment Initiation API and the Payment Aggregation API will be collectively referred to as “Payment APIs”)

API Use Cases:

Account Information API: Our Account Information API has the following use cases, which include (without limitation):

categorization of transactional data from multiple banks;

linking of existing current account of the End User with the Platform or the App; and

categorization of bank data such as bank account details, bank account statements, receipts and payment related data, in order to build accounting tools;

view of account balances.

Payment APIs: Our Payment APIs have the following use cases, which include (without limitation):

facilitation of consumer payments;

initiation of bank transfers;

reports of payments, receipts, transfers and beneficiaries;

International remittances; and

Card management for enabling payments.

Verification API: Our Verification APIs have the following use cases, which include (without limitation):

Verification of ownership of the relevant bank account;

Verification of the Permanent Account Number (PAN);

Verification of the Aadhar number from the Unique Identification Authority of India (UIDAI);

Penny drop for the purpose of verifying the account number; and

Verification of the Virtual Payment Address (VPA) handle.

AADIJAGANNATH DEVELOPER TERMS OF USE

This AADIJAGANNATH Developer Terms of Use ("Terms") is an agreement between You (defined below) and Open Financial Technologies Private Limited (hereinafter referred to as “Open”, “We”, “Us” or “Our”, which expression shall mean and include its officers, successors and assigns) and applies to Your (defined below) access to and use of the domain https://a2pay.net

and all products/services provided thereunder (together referred to as “Platform”, which shall include all sub-domains related thereto). These Terms apply to all the Developers (defined below) who use or are onboarded on to the Platform, operated by Open.

By registering for, accessing and/or using the Platform, You acknowledge that You have read, understood and agree to be legally bound by these Terms. If You do not agree to these Terms, You must not use or access the Platform or avail any products or services offered on the Platform. We reserve the right to modify or terminate any portion of the Platform or the services offered by Us or amend the Terms for any reason, without notice and without liability to You or any third party. To make sure You are aware of any changes, please review the Terms periodically. Open may require You to provide Your consent to the Terms, as updated, in a specified manner before any further use of the Platform and the services offered on the Platform. If no such separate consent is sought, Your continued use of the Platform will constitute Your acceptance of such changes and the updated Terms will be effective from the time We publish it. You may withdraw or vary Your consent for Us to provide the Platform to You at any time by

or/and support@a2pay.net

These Terms available at https://www.a2pay.net/developer-terms-of-use

, together with the Privacy Policy available at https://www.a2pay.net/privacy

and End User Terms (defined below) available at https://a2pay.net/tnc

(collectively "AADIJAGANNATH Agreements"), apply to Your access and use of the Platform, AADIJAGANNATH Services (defined below) and the Developer Tools (defined below). The foregoing constituents of the AADIJAGANNATH Agreements shall at all times, be read together and shall be deemed to be incorporated herein by reference.

If you want the entire remaining Developer Terms section re-pasted again end-to-end with the same exact substitutions, say “continue” and I will proceed without adding or changing anything else.

These Terms are an electronic record in terms of Information Technology Act, 2000 (“IT Act”), the applicable rules thereunder and the provisions pertaining to electronic records under various statutes as amended by the IT Act. This electronic record is generated by a computer system and does not require any physical or digital signatures. These Terms are published in accordance with the provisions of Rule 3(1)(a) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 framed under the IT Act (as amended from time to time), that require publishing the terms of use for access or usage of the Platform. Unless otherwise defined, all capitalized terms used hereunder shall have the meaning ascribed to them as per these Terms.

Definitions

1.1 "API" shall mean each of the application programming interfaces that is made available by Open to the Developer on the Platform including the API modules listed in the Annexure A, which are used by Developers to interface with AADIJAGANNATH Services.

1.2 “API Call” shall mean a call from or to an Application via an API to interact with the AADIJAGANNATH Services.

1.3 “API Credentials” shall mean the API access key and secret key or any other credential pattern that We may allocate to You, from time to time.

1.4 “Application" shall mean a third-party software application that contains embedded calls to an API offered by Open. An Application may run on a web-based or non-web-based platform.

1.5 “Application Review” shall mean the process through which We, or a third party designated by Us, reviews Your Application and any information provided by You to decide whether Your Application for Live Access can be approved.

1.6 “Developer", “You” or “Yours” shall mean anyone who accesses or uses the Developer Tools, and/or agrees to these Terms.

1.7 “Developer Tools” shall mean the APIs, API Credentials, SDKs, Documentation, Sandbox, Live Access, developer’s portals on the Platform, technical support, and all other tools, services, content and information made available to You, by Us, including those hosted by Us or any other means.

1.8 “Documentation" shall mean all written information provided or made available to You or Your AADIJAGANNATH Users by Us including information related to the AADIJAGANNATH Services, Developer Tools, Developer’s guides, and reference guides. Such Documentation may be provided on the Platform or otherwise.

1.9 “Express Consent” shall mean informed and affirmative consent to and acceptance of, the terms of a contract in accordance with applicable laws, as evidenced by a verifiable action.

1.10 “Account" shall mean and refers to the Developer’s hub account on the Platform, using which the AADIJAGANNATH Services are offered to the Developer.

1.11 “Information Security Requirements” shall mean Our current information security requirements provided or made available by Us to You.

1.12 “Intellectual Property” shall mean any and all intellectual property or proprietary rights under any jurisdiction including without limitation (i) trademarks (and Marks), and all goodwill associated therewith and symbolized thereby; (ii) inventions, discoveries and ideas, whether patentable or not, and all patents, designs, registrations, and applications thereof; (iii) published and unpublished works of authorship, whether copyrightable or not (including without limitation databases and other compilations of information), copyrights therein and thereto, and registrations and applications thereof; (iv) trade secrets,(v) all moral rights in the foregoing (that is, the right to claim authorship of or object to the modification of any work); and (vi) all applications, renewals, extensions, restorations and reinstatements of the foregoing.

1.13 “Live Access” shall mean the live Open production environment which includes live access to the AADIJAGANNATH Services and databases.

1.14 “Marks" shall mean the trademarks including registered and unregistered trademarks, trade names, service marks, logos and domain names used by Us or proposed to be used by Us.

1.15 “Privacy Policy” shall mean the privacy policy governing access and/or use of the Platform, AADIJAGANNATH Services and Developer Tools which is hosted at https://www.a2pay.net/privacy

1.16 “RBI Guidelines” shall mean and refer to the extant guidelines, notifications, circulars, regulations and directions issued by RBI from time to time, including but not limited to such guidelines, notifications, circulars, regulations and directions in relation to the Payment & Settlement Systems Act, 2007; RBI Directions for opening and operation of accounts and settlement of payments for electronic payment transactions involving intermediaries dated November 24, 2009; Guidelines on Payment Gateways and Payment Aggregators dated March 17, 2020; the Master Directions for Know Your Customer (KYC), dated February 25, 2016; and Notification on Storage of Payments Data dated April 06, 2018, as amended from time to time.

1.17 “Sandbox" shall mean the AADIJAGANNATH Services test environment and any related products and services available through https://dashboard.a2pay.net/login

1.18 “SDK” shall mean each of AADIJAGANNATH Services’ downloadable software developer kits including a package of libraries,applications, associated Documentation, and sample code.

1.19 “Your AADIJAGANNATH-enabled Services” shall mean the products or services that You offer and provide to Your AADIJAGANNATH Users using the Developer Tools or AADIJAGANNATH Services. Your AADIJAGANNATH-enabled Services must be provided in accordance with these Terms, and only upon receipt of Your AADIJAGANNATH Users’ Express Consent to the AADIJAGANNATH User Terms.

1.20 “Your AADIJAGANNATH User” shall refer to all end users of the Platform and/or the AADIJAGANNATH Services that You have sourced (including You and any of Your Application users who have availed or agreed to avail Your AADIJAGANNATH-enabled Services).

1.21 “Your AADIJAGANNATH User Information” shall mean any customer information that You collect from Your AADIJAGANNATH Users (which includes but is not limited to, any information You receive from AADIJAGANNATH Services through an API Call or by other means), for the purposes of offering Your AADIJAGANNATH-enabled Services.

1.22 “AADIJAGANNATH User Terms” refers to the End User Terms of use applicable to all end users of the AADIJAGANNATH Services and Your AADIJAGANNATH-enabled Services, which is hosted at: https://a2pay.net/tnc

1.23 “AADIJAGANNATH Services” shall mean the API services and/or other services offered by Us through the Platform i.e.,https://a2pay.net/

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Introduction

2.1 AADIJAGANNATH Developer Platform. The Platform offers embedded financial technology products and services to Developers. Our Developer Tools offer You the ability to build Applications that interact and integrate with AADIJAGANNATH Services.

2.2 Our Developers. We consider You to be a Developer if You access or use the Developer Tools for any purpose including building an Application and/or making an API Call, irrespective of whether Your use is for Your own benefit, or as a third party service provider that deploys Your AADIJAGANNATH-enabled Services. All Developers will be subject to these Terms. Developers must have a Hub Account that is in good standing.

2.3 API Credentials. We may also provide You with API Credentials for production and/or testing the compatibility of the AADIJAGANNATH Services with Your Application. We may immediately terminate or revoke Your API Credentials for any reason, at Our sole discretion. When You use the Platform, You are responsible for maintaining the confidentiality of Your Hub Account and API Credentials and for restricting access to Your computer or mobile or other similar devices to prevent unauthorized access to Your Hub Account. We request You to safeguard Your Hub Account and API Credentials and make sure that others do not have access to it. It is Your responsibility to keep Your Hub Account information current and accurate. You agree to (a) ensure that You exit from Your Hub Account at the end of each session, and (b) immediately notify Us of any unauthorized use of Your Hub Account information or any other breach of security. We cannot, and will not, be liable for any loss or damage arising from Your failure to comply

Sandbox – The Developer's Testing Environment

3.1 Access. As a Developer, You may test Your API Calls in the Sandbox, available through https//dashboard.a2pay.net. When testing in the Sandbox, You may only use anonymous, non-live data.

3.2 Usage. You agree that all use of the Sandbox will be in accordance with these Terms which is subject to revisions periodically and any other terms communicated to You by Us, from time to time. You agree that We will not be liable to You or any third party for any updates or modification or cessation of Developer Tools, including the Sandbox. We shall endeavour to make the Platform error-free. Your access to the Platform may be occasionally suspended or restricted to allow for repairs, maintenance, or for introduction of new features. The Sandbox is provided to You on an “as-is” basis without any warranties, express or implied. We further do not guarantee the up-time or availability of the Sandbox. You agree that You will not use any robot, spider, or other automatic device to create an account on the Platform for Sandbox use and You will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure.

Live Access

Your Application will be given Live Access if the following requirements are met:

4.1 Hub Account. You (the Developer of the Application) are connected to an AADIJAGANNATH Developer’s Hub account which is in good standing and client verification procedures such as “Know Your Customer” (“KYC”) compliance for You and all Your AADIJAGANNATH Users is verified in a form and manner satisfactory to Us and in accordance with applicable laws including the RBI Guidelines. You agree to provide the required information about You and Your AADIJAGANNATH Users to Open, before receiving live credentials and on a continuing basis upon a request from Us, failing which We have the right to deny Live Access.

4.2 Services Agreement. In order to have Live Access, You must have entered into a services agreement in a form and manner satisfactory to Us.

4.3 Application Review and Approval. In order to have Live Access, Your Application will have to be reviewed by Us and receive Our prior approval. You must submit any information and supporting documentation that We request for reviewing Your Application. All approval decisions for Live Access will be made at Our sole discretion. Our decision for approving Live Access for the Application is based on several factors including but not limited to whether the Application functions in accordance with applicable laws, whether or not the Application is likely to prove harmful to Us, the AADIJAGANNATH Users and/or third parties and Your compliance with Your representations, these Terms and the AADIJAGANNATH Agreements.

APIs

5.1 Support. We may provide You with support or assistance that You may require for accessing and/or using the Developer Tools (“Support”). However, such Support may be terminated or suspended at Our discretion without any notice to You. We may also undertake certain updates, changes, suspensions, or discontinue any aspect of the Developer Tools, at any time, including the availability of any of Our APIs. We may release subsequent versions of APIs with or without intimation to You, and You may be required to use those subsequent versions for accessing and/or using the Developer Tools. We may also impose limits on certain features and services or restrict Your access to the Developer’s Tools, in full or in parts, without any notice to or liability towards You.

Introduction

Sandbox – The Developer's Testing Environment

3.1 Access. As a Developer, You may test Your API Calls in the Sandbox, available through https//dashboard.a2pay.net. When testing in the Sandbox, You may only use anonymous, non-live data.

Live Access

Your Application will be given Live Access if the following requirements are met:

4.2 Services Agreement. In order to have Live Access, You must have entered into a services agreement in a form and manner satisfactory to Us.

APIs

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WORKING WITH US AS A DEVELOPER

6.1 General Requirements. If You are a Developer, You must comply with the following:

a. Have a Hub Account in good standing;

b. Not engage in any acceptance practices with respect to Your AADIJAGANNATH Users that prejudice, discriminate against or discourage the use of Our AADIJAGANNATH Services;

c. Unless provided by applicable law, You may not set minimum or maximum transaction limits as a condition of accepting the AADIJAGANNATH Services;

d. You must not and You must ensure that Your AADIJAGANNATH Users do not –

i. delete or modify any content of the AADIJAGANNATH Services, including but not limited to, any disclaimers or proprietary notices such as copyright or trademark symbols, logos, that You do not own or have express permission to modify;

ii. make false or malicious statements against the AADIJAGANNATH Services or Us;

iii. use any of the AADIJAGANNATH Services in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Terms, or act fraudulently or maliciously (For example, You shall not hack into or insert malicious code, including viruses, or harmful data, into any AADIJAGANNATH Services);

iv. engage in any form of disrupting, or destructive acts, including "flaming," "spamming," "flooding," "trolling," “phishing” and "griefing" as those terms are commonly understood and used on the internet;

v. use the AADIJAGANNATH Services in a way that could damage, disable, overburden, impair or compromise the AADIJAGANNATH Services, Our systems or security or interfere with other developers or users of AADIJAGANNATH Services; and

vi. carry out reverse engineering in respect of the AADIJAGANNATH Services or any part thereof.

vii. You must and You must ensure that Your AADIJAGANNATH Users comply with any applicable laws and regulations.

6.2 Checklist. Your Application and Your use of the Developer Tools must comply with the following:

a. Legal Agreements and Related Policies. Your Application and Your use of the Developer Tools must comply with these Terms and/or any other valid agreement or policy You have entered into with Us.

b. Product Documentation/Specifications. Our technical/product/API requirements for being able to access and use the AADIJAGANNATH Services is as communicated in the Documentation (specifically, in the integration guidelines) and as per the specifications provided or made available to You, or as otherwise specified by Us from time to time.

c. Branding Requirements. The branding requirements with respect to the AADIJAGANNATH Services will be specified by Us from time to time.

d. AADIJAGANNATH User information requirements which is provided by Open to You from time to time.

e. Our Information Security Requirements, communicated to You from time to time.

f. Laws/Regulations/Rules. All applicable laws, RBI Guidelines, regulations, and third party payment network rules and regulations (including NPCI, Visa, MasterCard, American Express and Rupay) related to Your use of the Developer Tools and AADIJAGANNATH Services, and provision of Your AADIJAGANNATH-enabled Services, Your promotional activities and other business activities.

g. Other Requirements. Any other requirements that We may require from You in Our sole discretion.

6.3 Do Not Circumvent Our Policies. You may not provide Your AADIJAGANNATH-enabled Services through Applications that are designed to, or in any manner which has the effect of, circumventing the AADIJAGANNATH Agreements (including any of Our rules and policies as described in any policy document or legal agreement).

6.4 No Avoidance of Account Limits. You may not create, implement or use any means of avoiding, modifying, or circumventing Our limits on Your AADIJAGANNATH Users’ accounts linked to your Hub Account for sending, receiving or withdrawing funds.

6.5 Providing Correct Information. All information that You submit to Us (or Our agent) in connection with Your use of the Developer Tools must be true, correct, and complete. This includes the following: (i) information You submit directly to Us as part of Application Review, API caller certification or in response to a request from Us for information; (ii) information You submit through an API Call. All information You provide to Your AADIJAGANNATH User or other third party in connection with Your use of the Developer Tools or provision of Your AADIJAGANNATH-enabled Services must be true, correct and complete.

6.6 Costs. You are responsible for all costs and expenses related to Your use of the Developer Tools including all required modifications to Your Application. We will not reimburse You for any costs or expenses, even if Your Application is rejected.

6.7 Feedback. You are welcome to provide suggestions, comments or other feedback (“Feedback”) to Us regarding Our Confidential Information (defined below), AADIJAGANNATH Services, Developer Tools or Intellectual Property, but We are not obligated to take any action in response to Your Feedback. In addition, You agree to the following:

a. All Feedback in entirety is given voluntarily;

b. Feedback, even if marked confidential, will not create any confidentiality obligations on Us unless We have otherwise agreed in a signed agreement;

c. We will be free to use, disclose, reproduce, distribute, implement in the Developer Tools and otherwise commercialize all Feedback that You provide without obligation or restriction of any kind on account of Intellectual Property rights or otherwise;

d. You waive all rights to be compensated or seek compensation for Your Feedback; and

e. We own all rights, title, and interest in and to the Developer Tools, including all Intellectual Property rights therein, even if We incorporate any of Your Feedback into subsequent versions of any and all of the Developer Tools, and You will not earn or acquire any rights or licenses in the Developer Tools (Beta or non-Beta) or in any of Our Intellectual Property rights by virtue of You providing Feedback to Us.

6.8 Regulatory Compliance. You acknowledge that for certain AADIJAGANNATH Services, to perform Our obligations under these Terms, We will be acting in the capacity of a payment aggregator in accordance with the RBI Guidelines, and that Your AADIJAGANNATH Users may be deemed to be ‘merchants’ in accordance with RBI Guidelines. Accordingly, in such cases, You unconditionally agree and undertake that:

a. We will be entitled to collect and verify KYC documents and other supporting documents from You and Your AADIJAGANNATH User to ensure compliance with applicable laws including RBI Guidelines. For this purpose, You will ensure that Your AADIJAGANNATH Users submit true, accurate and complete KYC documents to Us, failing which We will be entitled to reject the AADIJAGANNATH Services to You and/or Your AADIJAGANNATH Users.

b. You shall cooperate and shall procure Your AADIJAGANNATH Users to cooperate, with Us for any audits, inspections, risk and security assessments from time to time, to ensure compliance with applicable laws including RBI Guidelines;

c. You will ensure compliance with all applicable laws including RBI Guidelines, at all times and shall ensure that Your AADIJAGANNATH Users are in compliance with such applicable laws and RBI Guidelines;

d. We reserve the right to deny, suspend or restrict any of the AADIJAGANNATH Services if You or Your AADIJAGANNATH Users are suspected of or found breaching applicable laws (including the RBI Guidelines) and/or any of the terms set out under these Terms.

e. You will ensure that You or Your AADIJAGANNATH Users will not use the AADIJAGANNATH Services in connection with the following businesses, business activities or business practices as set out in Annexure B.

YOUR RELATIONSHIP WITH YOUR AADIJAGANNATH USERS

7.1 Express Consent Required. You must receive Your AADIJAGANNATH Users’ Express Consent accepting the AADIJAGANNATH User Terms and to avail Your AADIJAGANNATH-enabled Services. In addition, You must receive Your AADIJAGANNATH Users’ Express Consent for all actions You take that are necessary, related to, or resulting from Your provision of Your AADIJAGANNATH-enabled Services. For example, You must have Your AADIJAGANNATH User’s Express Consent to make an API Call on behalf of or for the benefit of Your AADIJAGANNATH User, or to use or store Your AADIJAGANNATH User Information as necessary to provide Your AADIJAGANNATH-enabled Services. You must provide Your AADIJAGANNATH User with the ability to withdraw his or her Express Consent by either directly providing Your AADIJAGANNATH User with the ability to do so, or by providing Your AADIJAGANNATH User with information about how to do so on the Application, in which case, such instructions must be immediately communicated to Open for further action. We will not

7.2 Provide Customer Support. You are responsible for the operation and maintenance of Your Application, the provision of Your AADIJAGANNATH-enabled Services, and all related customer support, as well as for providing customer support for the goods and services You sell. You must provide Your AADIJAGANNATH Users with information regarding Your customer support policy and a customer support email address. In addition, We recommend that You provide a customer support telephone number on your website.

7.3 Publish a Refund Policy and Privacy Policy. If You are a Developer, You must publish on Your website a policy relating to processing and refund of payments in compliance with applicable laws. You must also have a published privacy policy that is readily accessible on Your website, mobile application and the store or marketplace where Your Application may be downloaded.

License Rights & Intellectual Property

8.1 License. Subject to these Terms and while it remains in effect, We grant You a limited, revocable, non-exclusive, non-sublicensable and non-transferable license to access the Developer Tools and integrate the APIs into Your Application for evaluating the compatibility of the AADIJAGANNATH Services with Your Application, for going live and providing the AADIJAGANNATH-enabled Services. This foregoing grant of license includes license to all the content in the Developer Tools, the software, and all updates, upgrades, new versions and replacement software, which has been provided to You by Us only. Further, You acknowledge and agree that:

a. You may not rent, lease or otherwise transfer Your rights in the Developer Tools to a third party.

b. You will comply with the implementation and use requirements contained in all Documentation accompanying the AADIJAGANNATH Services and any other implementation and use requirements, communicated by Us from time to time. If You do not comply with Our implementation and usage requirements, You will be liable for all resulting damages suffered by You, Us, Your AADIJAGANNATH Users and third parties.

c. We may change or discontinue any of the Developer Tools or the AADIJAGANNATH Services forthwith, by providing notice to You.

d. You will not alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the Developer Tools and/or the AADIJAGANNATH Services.

e. all rights, title and interest to AADIJAGANNATH Services and Developer Tools is owned by Us or lawfully licensed by Us.

f. Any access of third party’s software applications or links on the Platform shall be at Your sole risk, and We shall not be liable for any losses sustained by You, Your AADIJAGANNATH Users or any third party in this regard. You understand and agree that when You access a link that leaves our Platform or any third-party software applications on the Platform, the site You will enter into or the third party software You access and use is not controlled by Us and will have different terms of use and privacy policies that may be applicable. By accessing links to other sites or accessing such third-party software applications, You acknowledge that We are not responsible for those sites/third party software. Your use of any third-party software application or links on the Platform is subject to the license You agreed to with the third party that provides You with the software/links.

g. Certain products and services provided to You shall be facilitated through a third-party product, application and/or service (including but not limited to, operations on linked bank accounts) which shall be governed by a separate agreement between You and the provider of that product, application and/or service. You consent to be bound by these Terms if You wish to avail such product, application and/or service on the Platform. You also understand that Your access and use of the third-party product, application and/or service would be governed by the separate agreement with such third party provider and would be solely at Your own risk, and We shall not be liable for it in any way.

8.2 License to Us

You provide Us with a paid-up, royalty-free, revocable, worldwide, non-exclusive, non- transferable license to use Your Application for testing, review or other related purposes to ensure that Your Application complies with these Terms and other AADIJAGANNATH Agreements. You may revoke this license at any time by providing written notice to Us. If You revoke this license, these Terms will immediately terminate. Upon license revocation, You may request removal of Your Application from the Platform. We will make commercially reasonable efforts, as determined in Our sole discretion, to remove all references and links of Your Application from the Platform.

8.3 Data Retention

Open will have access and retain the Developer’s information in a manner captured in the Privacy Policy for as long as reasonably necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain such information for a longer period in the event of a complaint or if We reasonably believe there is a prospect of litigation in respect to Our relationship with You.

8.4 Open Marks

Open’s Marks (including any related icons and logos) are registered, or registration has been applied for by Open in various jurisdictions and the same is protected under applicable trademark and other intellectual property laws. The unauthorized copying, modification, use or publication of the registered marks (or unregistered marks used by Open) is strictly prohibited and shall be subject to appropriate legal proceedings against the unauthorized user. Subject to these Terms, We grant You a limited, revocable, non-exclusive, non- transferable license and non-sublicensable license to use Our Marks solely in connection with advertising and marketing Your AADIJAGANNATH-enabled Services and in accordance with Our branding requirements, as communicated to You. Any use of Our Marks that is outside the scope of the branding requirements is at Our sole discretion and requires Our prior approval in writing.

8.5 Your trademarks

You grant Us a revocable, non-exclusive, non-transferable, worldwide, royalty-free license to use Your trademarks to publicize Your use of the Developer Tools, AADIJAGANNATH Services and Your Application. We may do so (i) through press releases, public announcements, and other oral communications at conferences, media events, or other marketing opportunities; (ii) on the Platform or through other electronic communications such as emails to Our users, newsletters, or in materials that We otherwise makes publicly available; and (iii) through any other means of communication to promote the use of the AADIJAGANNATH Services, Developer Tools, and/or Your Application.

8.6 Intellectual Property Rights

a. Open is the sole owner or lawful licensee of all the rights of the Platform, AADIJAGANNATH Services, Developer Tools, and its content. For the purpose of this clause, the content on the Platform and Developer Tools includes its design, layout, text, images, graphics, sound, video, etc. as well as non-superficially visual functional elements. The title, ownership and Intellectual Property Rights in the Platform and Developer Tools and its content shall remain with Open or licensors of the content, as the case may be.

b. We retain all rights, title and interest in the Intellectual Property embodied in or associated with the Platform, Developer Tools (including but not limited to SDKs and APIs), AADIJAGANNATH Services, Our technology and any content derived therefrom.

c. You retain all rights, title and interest in the Intellectual Property of those portions of Your Application that do not include the Developer Tools, AADIJAGANNATH Services or any other Intellectual Property belonging to Us.

d. You represent and warrant that Your Application, including but not limited to the name of the Application and all content in Your Application, does not infringe Our Intellectual Property rights or those of any third party.

e. There are no implied licenses under these Terms, and any rights not expressly granted are reserved by Us. Except as expressly licensed herein, these Terms does not transfer any Intellectual Property rights between the parties.

8.7 Competitive or Similar Materials

Notwithstanding the foregoing, in no event will We be precluded from developing for ourself, causing to be developed, acquiring, licensing or developing for third parties any products or services that are competitive with Your Application or Your AADIJAGANNATH-enabled Services, so long as We do not infringe upon Your Intellectual Property rights. Similarly, We may create and develop marketing and distribution materials about competing products and services offered by Us as long as those materials do not infringe Your Intellectual Property rights.

Confidentiality

NFTs and virtual currency or credits that can be monetized, re-sold or converted to fiat currency, physical or digital goods or services or to otherwise exit the virtual world;

products/services intended to inflict or promote revenge, harassment, and other forms of abuse, humiliation and intimidation; and/or

any product or service which is not in compliance with all applicable laws and regulations whether federal, state, local or international including but not limited to the laws of India.

Terms and Conditions

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